Research On The Development Of Electronic Banking Business Of Chinese Commercial Banks

With the rapid development of network technology, the beginning of2013Chinaentered into the Internet age of finance, people are more and more accustomed tofinancial services, such as shopping in the network, transfer payment, financing, andso on. The third party payment platform development is swift and violent, itintroduces some higher than deposit interest of financial products, agents such as thepayment of intermediary business, to make a lot of money transferred to the networkaccount, traditional bank deposit business impacts deeply. Nowadays, commercialbanks have become increasingly aware of the rapid development of the Internet in thefinancial times, diversified financial service pattern has been formed. In order todevelop in the competition, they must adjust the development strategy in time, changethe traditional business, strengthen the development of electronic banking business,and constantly explore, innovate products, to adapt to the development ofenvironment in the new era.Based on this, this paper is based on the finance and statistics theory, analyzingChina’s commercial banks in the intermediary business, financing business, and smalland micro businesses loan business. And researching the concussions of these threeaspects on the age of the Internet Finance, and coping strategies in the face of thechallenge of commercial banks, taking rapid development of electronic bankingbusiness. Then, this paper is mainly, from the customer service experience, thetechnology upgrading and product innovation, analysis three levels to thedevelopment strategy of electronic banking business. With ways of some commercialbanks, it elaborates the electronic banking business in the development of measures tothe above three aspects, and puts forward the suggestions and measures for thedevelopment of commercial banks for electronic banking business in China, thedevelopment of integration with the traditional banking business. At last this paperdiscusses shallowly the development prospects of commercial electronic bankingbusiness.This research has important theoretical and practical significance for guiding research and development of commercial banks of China’s electronic bankingbusiness.